Which of the following is an example of a risk that fire insurance policies are generally designed to cover?

Fire insurance policies are primarily designed to cover risks associated with fire-related incidents. This includes damage caused directly by fire, such as the destruction of structures and property due to flames. Wildfires, which are uncontrolled fires occurring in natural areas, fall under this category as they can cause extensive damage to buildings as well as the surrounding environment. Since fire insurance specifically addresses the risks posed by fire, damage from wildfires is a clear example of this coverage.

In contrast, other options such as flood damage are typically covered under different types of insurance policies, like flood insurance, which specifically addresses water-related risks. Earthquake damage is covered by separate earthquake insurance policies, as standard fire insurance does not include expansive ground movement. Loss due to vandalism usually requires a different form of coverage, often included in a comprehensive homeowners policy, which is designed to protect against various types of property damage not specifically related to fire.